35-year-old KiwiSaver members in balanced funds risk losing $26,917 in retirement savings without full govt subsidy, per Westpac NZ analysis.

New Zealand's KiwiSaver scheme members risk losing tens of thousands in retirement savings if they don't top up contributions for full govt subsidy, reveals a Westpac NZ analysis. A 25-year-old in a growth fund could have an extra $55,808 at 65, a 35-year-old in a balanced fund an extra $26,917, and a 45-year-old in a conservative fund an extra $13,319. Westpac is working to educate customers on maximizing retirement savings through KiwiSaver.